VPI Pet Insurance Plan
As stated on their website you can find coverage from PetPlan.com if you are a Canadian. For people in the UK I recommend reading the article if wrote recently about the Tesco company.
One of the things I really like about VPI compared to many of the other insurance companies that offers pet insurances is that VPI only deals with animals. They aren’t trying to sell you car insurance, home insurance or different mortgage deals. It’s just pet insurance and that is it. As I see it this will give you a lot of different advantages and of course a few disadvantages. But let us have a look at the advantages first.
VPI Pet Insurance – Advantages
Dealing with a company that specializes in pet animals will have you feel comfortable that they know what they are dealing with. Not only do they know insurance but one must assume that they also know a great deal about pet animals and the different aspects that are important when we’re talking coverage from issues like sicknesses, aging symptoms and accidents.
Being one of the oldest and most respected pet insurance companies in the US they have a substantial record of issues they have experienced and dealt with. Now this can also be a disadvantage to you as a customer but I’ll deal with that in a little bit.
Taken from their website a study made by ACI Custom Research in September 2006, show that 9 out of 10 veterinarians (who recommends pet insurance) recommends using VPI as the provider of that insurance. I know that even though it is stated that it was an independent survey it can’t be fully trusted but I do believe that it says something about the quality of the insurance company.
Does this mean that they’ll cover anything? NO! Does it mean that they will have the cheapest solution? NO! But does it say something about what kind of knowledge and credibility the company has? Yes, I think that it does.
I do suggest that you go talk to your pet’s VET and ask what they recommend. It might be VPI and it might not but what is important is that you remember also to ask “WHY” they recommend what they do. Without that question answered you can’t really use their advice in a constructive way. Now on to one of the other advantages I see from choosing VPI Pet Insurance as you provider…
Because they have nearly 400 people employed part of those are highly qualified professionals that are able to answer any specific questions that you might have related to your animals condition. Whether it is sickness or injuries I’m sure that one of the more than 10 veterinarians or 60 veterinary assistants will be able to either answer your question promptly or at least look through their archive of past issues and come up with an answer for you.
Please note that I’m not saying that they are the only company that will be able to do that… far from it, but being focused solely on pets will give them the advantage of only having to concentrate on the one topic.
Last but not least, and I have already mentioned it above, I really like the fact that VPI is not just covering the two favorite animals: Cats and dogs. Sure they are their greatest part of their portfolio but it is nice to know that if you own a horse or have an exotic bird you will be able to get insurance coverage from the same company as when insuring your cat or dog. If you like them as a company it is great that you don’t have to go somewhere else if you decide to get a new pet for yourself.
Now let’s look at some of the disadvantages…
VPI Pet Insurance – Disadvantages
I’ll state upfront that I do feel that there are many more advantages than there are disadvantages by choosing VPI but naturally they will have some advantages (which is negative if you’re the customer) over other not so specialized insurance companies.
First of they ought to be far better at setting the right right coverage price for your specific pet. Where other companies might think that “a dog is a dog”, VPI will know from many years of experience that this is not the case. You’ll therefore risk being charged a higher fee if you have a pet with a greater likelihood of becoming sick or injured. Now all in all that can’t hardly be argued not to be a fair deal but the result will nevertheless be that you’ll have to pay more in insurance fees.
Secondly, the knowledge that VPI has will make the better equipped to avoid paying out the coverage due to small technicalities that they know of. I’m not stating that this is the way they do business. Far from it! But they do have the option and I believe that they will have an easier time doing it than other insurance companies might.
From reading the above you might think that I’m paid to say as I do or that I have a reason for naming more advantages than disadvantages but I have to tell you that I don’t. Honestly I don’t care what pet insurance company you’ll choose in the end but what I do care about is that you have done your due diligence properly.
Without putting a bit of work into finding the pet insurance company that us right for you, you” probably end up with the wrong one. And in that case why not end up with the specialists at VPI Pet Insurance? I think you’ll be better off than with a company trying to sell you truck insurance as well.